Income replacement for an employee who is unable to work due to a pregnancy/childbirth, disabling injury, or illness. UC pays the premiums and coverage is automatic. To be eligible to receive benefits, the employee must be under a doctor's direct and continuous care and the illness or injury must not be work related. After the waiting period is met, the plan pays 55% of the eligible earnings, up to $800.00 a month maximum for up to 6 months.